このような貸出し急増の背景には、国内における旺盛な投資需要があった一方で、①地方政府による商業銀行への大型プロジェクトや地元企業に対する融資拡大の強要、②2003年３月に設立された銀行監督管理委員会の全国的組織体制構築に時間を要したことによる銀行監督行政の空白、③不良債権処理の加速を喫緊の課題として課されている国有商業銀行による不良債権比率低下を意図した貸出残高（分母）の拡大等の銀行側の理由等があると考えられる42。例文帳に追加

Behind this rapid growth of lending is robust domestic demand for investment, but also at the same time it is thought that there are bank-side reasons, such as: (i) the imposition on commercial banks by regional governments of expansion in loans for large-scale projects and local enterprises; (ii) the vacuum of bank supervision administration due to the time needed to set up the nationwide organizational structure of the China Banking Regulatory Commission that was established in March 2003; and (iii) the expansion of outstanding loans (denominator) in order to lower the proportion of non-performing loans by state-owned commercial banks that have to deal with the acceleration of bad loan workout as a pressing issue.42 - 経済産業省